“We’ve seen demand in home equity borrowing and refinancing, in auto loans and in our commercial lending business,” Kordeleski said. “Consumer confidence is growing and people are overall more positive about the economy.”

Bethpage in 2012 funded $1.9 billion in loans, up 30 percent from the prior year and grew its commercial lending business to 10 percent of new loans, or $195 million, a 15 percent increase over 2011.

The credit union also added 33,440 new members, a 26 percent increase over the prior year, and opened 28,064 new checking accounts, up 22 percent over 2011.

Bethpage plans to add nine to 12 branches over the next three years to its 26 already operating throughout Nassau and Suffolk counties.

The credit union in 2012 also increased the number of surcharge-free ATMs available to members on Long Island to more than 425.